Lending in the Housing Industry The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates‚ 1st time home buyer down payment assistance programs‚ and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati)‚ the real estate and mortgage lending industries will continue to flourish. However‚ there are some unethical lending practices that are threatening the housing industry as
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1. In the U.S.‚ how has housing discrimination been addressed at the federal level? Consider both public and private sector housing. Housing discrimination is still one of the most prevalent problems plaguing African Americans and minorities in the United States of Americas. Since the abolition of slavery African Americans and minorities have found it difficult to find affordable housing and integrate into mostly white communities. These problems can be traced back to the Jim Crow Laws. These set
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Role of local government in housing i. Examination of the housing conditions of the area‚ estimation of demand including the requirement of special groups such as the aged‚ physically handicapped and the homeless ii. Assessment of the housing supply including the physical condition of the existing dwelling and the size and scope of the building and acquisition program of all the agencies involved iii. Research to assess housing need to ensure that all available resources are used to the
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RUNNING HEAD: RESEARCH ARTICLE ANALYSIS Research Article Analysis The research article I chose to analyze‚ Housing First Services for People who Are Homeless with Co-Occurring Serious Mental Illness and Substance Abuse‚ studied the outcomes of alcohol and substance abuse as well as participation in substance abuse and mental health treatment between people in housing first programs and treatment first programs in New York City. The two research questions asked were‚ “Are there group differences
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Tapping the Ethnic Housing Market Opportunities and Challenges for Housing Lenders and Realtors The tables in the text make it clear that there is a large gap between the minority population and the general population in regard to knowledge and education about the housing market. Housing discrimination and unethical lending practices are at the root of this problem. Housing and communities remain segregated despite all of the progress America has made since the Civil Rights Movement. Minorities
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choosing to demolish public housing‚ Mayor Daley took a stand which dispersed gangs and health issues in Chicago‚ and also forced individuals to find a job and live somewhere else despite a risk to his career because there was a lot of controversy on whether or not to keep public housing. The idea of public housing came from the need of affordable housing options from low-income people. As a result of this‚ many indigenous people came to the high rises and public housing developments. They filled up
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to live in coed housing? This question continues to raise a compelling argument to this very day. The University of Notre Dame has a total of 30 dorms and they are broken down to 16 male-only and 14 female-only. According to an article posted on About.com:Alcoholism‚ a new study in the Journal of American College Health finds that 42% of students that occupy coed housing been have reported to take part in binge drinking on a weekly basis as opposed to 18% in single-sex housing. This article also
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I. Central Problem How can the Metropolitan Housing Project Company meet their objectives in three years? II. Objectives: 1. Settle their liabilities relative to their project 2. To sell all residential lots 3. Have a realistic plan III. Alternative Courses of Actions: 1. Sell all residential lots to government housing agencies or organizations Pros: a. Capital will increase‚ thus‚ providing a way to lower liabilities b. There is a possibility of having the sites sold faster
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An international company is planning to set up a factory near your housing area. The proposed factory however‚ is believed to be environmentally hazardous. It will pollute the environment through thermal pollution‚ chemical pollution‚ air pollution‚ and noise pollution. Write a persuasive essay urging people in your neighborhood to protest against the set up of the factory. Based on Macmillan English Dictionary‚ pollution is the process of damaging the air‚ water‚ or land with chemicals or other
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Around the world there is so many adults‚ teens and kids that are in poverty. These people suffer from sickness and diseases because they can’t afford medication. The government should assist people in need‚ affordable housing‚ and have an equal education. First‚ everyone should have a chance to get education. But people in can’t because they are more focused on surviving. You never know if someone could discover something great that could help everyone but since they can’t afford school‚ they won’t
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